Lending Payment Services Manager

LendingClub•Lehi, UT

13h•$65,000 - $80,000•Hybrid

About The Position

Happen Bank is looking for a results-oriented Lending Payment Services Manager to join our Bank Operations team. This position will report directly to Sr Manager of Lending & Payments Operations. The Lending Payment Services Manager is responsible for overseeing key operational controls for movement of funds, strengthening lending operations processes, and supporting cross-functional initiatives that enhance compliance, efficiency, and scalability. This individual contributor role requires deep subject matter expertise, strong ownership of critical controls, and the ability to drive continuous improvement across payment services and Lending Operations (LOPs).

Requirements

Strong understanding of Lending Operations and payment services processes.
Demonstrated ability to own and manage key compliance controls (e.g., SOC 1).
Proven initiative in taking on expanded responsibilities and supporting strategic projects.
Effective communicator with strong collaboration and stakeholder management skills.
Analytical, detail-oriented, and solutions-driven mindset.
Minimum of 5+ years of experience in the financial industry, working in a procedural driven environment doing personal lending or other types of financial and transactional processing.
Strong understanding of treasury operations, cash management, or financial operations within a regulated financial services environment.
Experience with ACH, wire transfers, check processing, and reconciliation processes.
Demonstrated ability to improve processes, implement controls, and mitigate operational risk.
Analytical mindset with strong attention to detail and data validation experience.
Ability to work independently while collaborating effectively across teams.
Strong organizational skills and the ability to manage competing priorities in a fast-paced environment.

Nice To Haves

Experience supporting operational automation or system enhancements is a plus.

Responsibilities

Own and manage the SOC 1 worksheet and approval process, ensuring accuracy, completeness, and compliance.
Maintain deep knowledge of Lending Operations functions, leveraging SOC 1 oversight to strengthen understanding of end-to-end operational processes.
Identify opportunities to enhance controls and mitigate operational risk.
Proactively expand scope of responsibility to support evolving business needs.
Drive knowledge sharing and cross-training initiatives to strengthen overall team capability.
Participate in and contribute to high-impact cross-functional projects, including SCRA, DebtIQ, and other strategic initiatives.
Support initiatives that enhance operational effectiveness, compliance standards, and process scalability.
Serve as a responsive and reliable resource for team members and stakeholders.
Apply a structured, root-cause problem-solving approach to resolve operational issues and prevent recurrence.
Escalate technical issues appropriately and partner with engineering and cross-functional teams to ensure timely resolution.
Build strong working relationships across Happen Bank teams to drive alignment and successful outcomes.
Serve in a hands-on capacity across core Lending Payment functions.
Manage daily cash movements between borrowers and investors via ACH, wires, and checks.
Perform daily reconciliations between system activity and cash transactions, ensuring accuracy and data integrity.
Investigate, identify, and resolve operational issues, discrepancies, and exceptions in a timely manner.
Partner cross-functionally to streamline treasury processes and enhance standard operating procedures.
Identify, document, and implement treasury-related controls to strengthen risk management and compliance.
Contribute to modernization and automation initiatives supporting new products and evolving bank infrastructure.
Use AI and other emerging tools to accelerate research, analysis, and repeatable workflows while protecting sensitive data and validating outputs.
Participate in and help drive execution of ad hoc Investor and operational projects.
Receive and process trades from third-party financial institutions.
Support swap transactions, interest payment processing, and timely, accurate trade settlements.
Processing payments to third party vendors and quarterly/yearly tax payments.